5 Tips to Get Your Financial Life Ready for the New Year (Part 2)

In part one of this article, we looked at some key “to do” items to get your financial house in order in time for the new year. In addition to monitoring your credit, debts and savings, there are also some smart moves you can make to save on 2010 taxes and improve your long-term cash flow by re-thinking your home loan.

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Personal Finance Questions to Ask Yourself

6 Personal Finance Questions to Ask Yourself Today

During the past few years of recession, job losses, stock market downturns and trouble in the housing market, millions of Americans have started to take a more active role in understanding and managing their personal finances. If you would like to save more money, spend more wisely and put your life on a more stable and profitable path, there are a few key questions that you should ask yourself today.

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Woman shopping

Post-Buyer’s Remorse: Proven Ways to Improve Your Credit Score

Let’s face it, we’ve all been there. You’ve enjoyed a fun and indulgent spending spree, and yes, you charged everything to your credit card. One month and many blissful purchases later, you find yourself facing a huge credit card bill. You don’t have the money to pay for it, so you pay the minimum balance due. This is dangerous, and in many cases, can cost you your credit score – and ultimately your financial future. Find out how to redeem yourself – and your credit score – after a spending spree.

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Young ethnic couple by table overwhelmed by bills

3 Steps to Remove Financial Stress from Your Life

When Jennifer and Rob came to my office, they were desperate and despondent. With three young children and a boatload of credit card debt, they felt they were helpless to improve their life. They had tried to change their free-spending ways, but felt like failures, adrift, fighting against the current of continual financial stress. If you’ve ever felt the weight of financial stress, try the GAT method before money ruins your life. Certified Financial Planner®, Tammy Kraig, explains how this works.

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Real estate agent consulting a mature couple at office

Truths and Myths about Credit Counseling

Many consumers lose control of their finances. Some are able to get themselves out of debt and regain control. Others turn to professional help in the form of credit counseling. But credit counseling isn’t always the appropriate choice. If you’re having trouble with debt, it’s time to uncover the myths and truths about working with a credit counseling agency to see if it’s the right solution for you.

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Debt Consolidation vs. Credit Counseling

Debt Consolidation vs. Credit Counseling: What’s the Difference?

If you’ve made the decision to get control of (and possibly get rid of) your debt, congratulations! Taking an honest look at your debt obligations isn’t easy. Neither is it easy to develop an effective repayment plan. Over the last several years, two types of companies have emerged – both aimed at helping consumers manage and eliminate debt. Many people assume that “debt consolidation” and “credit counseling” are essentially one and the same, but they offer very different services and may not be right for everyone.

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Drowning in Debt: Is Debt Consolidation Right for You?

The economic and housing downturns have left many families without savings and home equity, and some even without jobs. If you’ve fallen behind on payments or simply want to get out of debt fast, you may be considering debt consolidation. It can be a good solution, but it isn’t for everyone. When researching the debt consolidation option, consider the following.

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